USDC

SufficientClock4059

Hi José Thanks for this! Really appreciate this insight! The work you're doing with Hope for Haiti and VIA is exactly the kind of ecosystem development that makes Stellar compelling for builders like us. Your point about stablecoins denominated in local currency is spot-on for our market. We anticipate strong demand for both a digital HTG and DOP. Are you seeing more local issuance ore synthetic digital local currencies that are actually USDC. We want to work with the local regulators (i.e. Haitian central bank) vs. the ask for forgiveness route. Would love to learn more about Stellar's regional initiatives and explore how Theo might align. Happy to share what we're building if useful; we've got our first major enterprise customer (a major importer) signed and are targeting March launch. Thanks again for the thoughtful response!

Player11Squared

Excited for this discussion and thanks for doing this! Quick question about real-world payment infrastructure: We're building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. We also want to issue new currencies on Theo as we launch in new countries. One technical question: As Stellar's smart contract ecosystem expands, what's the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar's low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure! Thanks again for doing this!

DBRiMatt

I just buy low, sell higher. It's crazy, but it works! Kidding aside, I use cow.fi for trading, set limit orders and have been swapping in and out ETH and USDC No technical analysis, minimal chart reading, and I'm not even kidding the amount of swing trades I've successfully made from "buying back after burgers dump" is beyond memeworthy. You can read more of my simple experiment in [r/EthTrader](https://np.reddit.com/r/ethtrader/comments/1qhyc2h/trader_tuesday_active_trading_vs_passive_gains_5/) I'm definitely not a professional, nor am I am full time trader, and I do not wish to be; but, If I can make a few bucks, then so can anyone! xD

ExtentOld2417

USDC currently pays 3.5% on Coinbase (believe you need to be at the $5/month subscription tier and I’m not sure if it’s the same in the UK, but…). So you could deposit monthly there and think of it as an HYSA until you’re ready to buy

Player11Squared

Excited for this discussion! Quick question about real-world payment infrastructure: We’re building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. One technical question: As Stellar’s smart contract ecosystem expands, what’s the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar’s low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure!

edmcryptodad

100% in USDC. It’s going to pump any day now! 🚀

Flashy-Potatoe-Queen

The USD is losing trust worldwide. With all the stupid shit Trump did, people looked for more safe currencies for their reserves. The potential shut down incoming is the final straw that devalued the dollar. Trump's plan from the beginning was to devalue the dollar to reduce the weightbof the debt, it's working. USDC is doing perfectly fine, it's just the asset it is pegged to (USD) that is getting demolished.

JOliverScott

When the US dollar is weakening people start turning to gold to hedge against the decline in the dollar's value. Why not do the same thing in crypto, shift from USDC to PAXG or XAUT which is the digital equivalent. 

dAn_tHe_mAn7

No it’s a USDC vs EURX question

Phine420

I love doing a fear and greed strategy on a Single Account. If you put in 100$ into aave or xlend/moonwell and FG ist at 30, I will deposit 70% crypto (either pure btc or eth Mixed in) and 30% EURC ( and then borrow USDC against it). Rinde and repeat

order-odonata

Something to note - the services that ripple provide mostly run on USDC…they aren’t even using their own token.

JustStopppingBye

Crypto hasn’t failed if banks are involved. That assumption only makes sense if your goal was bank replacement, which was a fairy tale pipe dream. Youre actually insane if you think banks were getting replaced lol If youre using USDC, its issued by a regulated entity, backed by US Treasury securities and bank deposits, accessed through crypto friendly banks and reliant on banks for on/off-ramps. Congratulations bro, you beat the system. Youre only proving that banks and crypto rails can work together.

destinationexmo

If what you describe happens, crypto has failed. But it won't the banks getting involved may act as a bridge but there is absolutely 0 fucking reasons someone would choose to use a bank over crypto if Crypto evolves to what it was always expected to be. I have already moved literally ever USD I had in my banks to USDC in crypto friendly banks because I earn way more interest. You know the thing banks are adamantly fighting against right now and why coinbase pulled their support for the CLARITY act? Because banks know there is little reason from clients to use them over stablecoins.

Own-Cartographer409

Bybit options UI is good since it allow USD base option trade. My protocol provides USDC base trade and better spread

Fit-Preparation-4536

CIRCLE (USDC) wouldn’t help us develop the ecosystem if we were Bitconneeeeectt. 😅

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Post is by: Necessary-Long-2953 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qoav7g/dropped_platform_fees_to_0_on_my_crypto_project/ Been building a donation platform on Ethereum as a solo dev. Started with a 1% fee. I'll be honest — I could spin some idealistic story about cutting out middlemen, but the real reason is simpler: I'm not here to make money off this. It's a side project, I have a day job, and I'd rather see the thing get used than squeeze pennies out of early adopters. Patreon takes 8-12%. Ko-fi takes 5%. If I ever need to monetize, there are ways to do it without taxing every donation. For now, 0% just makes sense. A platform that doesn't extract value from its users — isn't that what decentralization is supposed to be about? Also just added USDC and USDT support. The volatility criticism is fair — stablecoins fix that. Still early. The real barrier is that most audiences aren't crypto-native yet. But if you're a creator with a Web3 following, direct wallet donations with no platform cut is a better deal than anything else out there. Happy to share more about the build if anyone's interested. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Grand_Introduction_4

Circle is the first digital FULL reserve bank! Partnerships with Apple Pay and Google pay and visa making Transaction settlements instantaneous for them removing any trouble, extra cost due to lag time and archaic banking rules and functionality. It's the start of commercially acceptable defi in action (even if nobody knows it's happening). T bills are cash equivalent. They buy up all the t bills and just collect interest. The gov passed the genius act so they could backdoor open digital currency as acceptable cash equivalent without creating an official gov coin and scaring people. All already in the game get to stay in the game and keep their money. And as an added bonus all transactions and buying of USDC, dollar for dollar, are buying t bills loaning money to the gov to perpetuate the debt ( um... I mean pay if it off, same difference) 40 trillion. Am I wrong?

PirateSKB

Ehh not true, I took some good profit on XMR which made me a bunch of USDC and I held for like 3 years. My average for Eth and BTC are lower than current prices so if I sold I would still walk away with a profit (but they're amounts that i'm cool with the price dropping a bit, but I am down a bunch of thousands since last month, but i'm still content)

ProgressiveLogic4U

It is not as simple as you may think. Ripple, the company, will succeed spectacularly, but it is a private company, so there is no way to profit specifically from its success. Sad for us? Ripple's software and rails have been standardized and regulated for trillions of dollars worth of transactions. That seems pretty clear. But that is the software, not the token XRP. The software can use any digitized token to transfer value from here to there. Ripple, the company, seems to have no direct competitors at the highest levels of finance, which are Central Banks and BIS, the central bank of central banks. The issue with XRP is that it is just one token that is available for digitized finance to use. The emergence of all sorts of stablecoins has cluttered the market with tokens of value. These stablecoins are also stable, LOL, which businesses prefer over volatile tokens like BTC. XRP was not supposed to be super volatile like BTC. But stablecoins now offer exactly what big finance and businesses want: extremely stable values. Will the financial item backing stablecoins suffice as value? Will US bonds or gold backing a stablecoin serve as the preferred form of token for world finance? Will the world accept the USDC (the Dollar) as the world's currency in token form? Will Tether's USDT (US Treasuries) serve as the token vehicle of value? Will the BRICS Unit (40% gold-backed) be permanently adopted by some nations? All I can say is that Ripple is the only real competitor when it comes to regulated finance. Finance requires extreme dependability and accountability when transferring trillions of dollars. Ripple has developed the only rails that meet the extreme confidence required for the big money to participate. XRP is the neutral token with the default position for easy, secure use by financial institutions of any size. The XRP token was built for the Ripple environment and is managed by Ripple, reflecting major advantages over other tokens. By default, XRP can be used immediately with the Ripple rails. But Ripple can use other tokens, too. The use of XRP will be minimal for payments when transferring other tokenized coins. So it has to remain viable. XRP is not going away. So will XRP make you rich? That is becoming debatable with the adoption of stablecoins. But XRP is still the default token. Other tokens might fall out of favor. Does the financial world really want to depend on the dollar and debt like US Treasuries in the future? Is there even enough physical gold in the world to reflect hundreds of trillions of dollars in value? Tether can only buy so much gold, and Central banks can only buy so much gold, before there is no gold left to buy.

No-Pepper6969

Look if it would be cheaper to convert, withdraw and rebuy elsewhere. USDC is pretty cheap. I used it to withdraw 70$ off kraken because you couldn't for amount lower then 0.0001 btc. Barely cost me 1%.

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Post is by: CarolStaley and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qnai7r/defi_strategy_for_concentrated_lp/ Hi, I found a common strategy for concentrated LP which seems too good to be true. 1. Deposit $1000 USDC to Aave 2. Borrow $500 Weth from Aave 3. Open Uniswap LP (Range -10% to 10%) using borrowed $500 weth and another $500 usdc for 70% apy. 4. Total capital $1,500. 5. If out of range for 48hrs, just close all positions, repay weth and start all over again. 6. You will be earning LP fees while hedged. Any hidden risks assuming u actively monitor the position. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

All in all the major difference with the last bear market is the USD weakness. In 2022 my USDC was pumping against the EUR. This cycle PAXG was the stablecoin to pick

DBRiMatt

Ew. Tether. USDC for me!

No-Contribution9918

I suppose I should have said it *was* over-hyped. The hype for it died out, like many chains from the 2021 crypto boom. Just a lot of promises (scalability, Chainlink, Input Endorsers, rollups, BTC DeFi, USDC, Mamba, major Hydra applications...I could go on)/ Now, it has low usage, TVL, stables, fees/revenue, less dApps, virtually no RWA, etc.

DBRiMatt

I've used Cow.fi and had far more efficient trades then by just using Uniswap or Sushi.com for ETH/USDC trades. But for smaller tokens with less liquidity, I tend to just stick with a DEX like Sushi.com or others depending on the network.

Fluffy-Box9472

USDC to Hyperliquid and 3x Silver perp

Hatty_Hats

You've hit the classic "bridging nightmare" that scares people away from crypto. Don't feel dumb, the fact that you can accidentally create wallets you didn't know you had is a massive design flaw, not user error. When you "converted" to Polygon, you didn't convert. You bridged your USDC from Base to Polygon (two separate blockchains). Ramp generated a new Polygon wallet for you, and now your funds are split across chains.

aman_chamb

Hey, crypto yields crushing bank rates and sparking DC fights? Spot on—finally competing on real value, not just hype. Tips: - Weigh no FDIC vs. higher APYs; start small. - Diversify stables across audited protocols. - Track tax hits on earnings. - Blend with TradFi for safety net. Yieldseeker automates USDC on BASE as one DeFi option. Stablecoin setup?

Responsible_Gate6990

Solid start with BTC and ETH as your core. One thing to consider: keep some stablecoins (USDC) on the side and park them in DeFi lending (Morpho, Aave) for 4-6% while you wait for dips to buy. Beats having cash sitting at 0% in your bank.

Responsible_Gate6990

Banks are scared because DeFi already offers this. Morpho, Aave - 4-6% on USDC right now, non-custodial, no permission needed. The yield comes from real borrowing demand. No wonder they want to ban it.

Responsible_Gate6990

For stablecoins specifically, I keep it simple: Morpho or Aave on Base/Ethereum. 4-6% on USDC, non-custodial, battle-tested protocols with billions in TVL. The key metrics I track: real APY (not inflated by token rewards), smart contract risk (stick to audited protocols), and liquidity (can I withdraw anytime). DeFiLlama is good for comparing rates across protocols.

Responsible_Gate6990

Anyone else just parking stablecoins in Morpho/Aave and chilling? 4-6% on USDC, non-custodial, no drama. Boring but it works while we wait for the market to figure itself out.

Lolalamb224

100% they are already rolling out USDC in pilot programs in the US

aman_chamb

Hey, hot take on yield driving crypto's bull case? Spot on—it's pulling in that safe capital without the casino vibes. Tips: - Prioritize audited protocols for sustainable APYs. - Diversify across lending and treasuries to hedge risks. - Track real yields post-fees and IL. - Rebalance based on market shifts. Yieldseeker automates USDC yields on BASE as one hands-off option. Spec still king, or yield takeover?

aman_chamb

Hey, chasing self-custodial BTC yields without centralization? New Bitcoin DeFi protocols are popping up, but sustainability's key—most still involve some wrapping or L2 risks. Tips: - Explore audited BTC L2s like Stacks for native yields. - Weigh self-custody vs. minor compromises in liquidity. - Compare real APYs against HODL opportunity cost. - Diversify to stables for safer plays. Yieldseeker automates USDC yields on BASE as one alternative. Tried any BTC L2s?

aman_chamb

Hey, 27% in stables earning ~7%? Smart cushion—I've been burned without dry powder before. Tips: - Aim 20-30% for balance; adjust up in volatility. - Diversify sources to hedge platform risks. - Rebalance quarterly based on market vibes. - Factor in tax hits on yields. Yieldseeker automates USDC yields on BASE as one hands-off option. Your split details?

aman_chamb

Hey, yeah, fragmented yields across staking, lending, DeFi, and CEXs make risk assessment a nightmare—been there. Tips: - Spreadsheet it: Columns for real APY, risk score (e.g., 1-10), lock-ups, and stress scenarios. - Use DeFiLlama or Zapper for unified dashboards. - Compare via historical drawdowns to gauge volatility. - Diversify to cap overall exposure. Yieldseeker automates USDC yields on BASE as one hands-off option. Go-to spreadsheet template?

wacomlover

Well, first of all the real sender won't be me but a friend that want to send USDC to paypal. The target coin is USD. There are some reasons (At list in my mind because he haven't used this service yet): 1) In my country the amount of money I want to send (600$) is not triggering any alarms. So KYC doen't apply here 2) It appears like a simple friend transfer 3) The sender's country doesn't know it was Crypto -> FIAT transaction at a first glance.

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Post is by: SharkChampion54 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qk181u/is_portalbridge_by_wormhole_safe_and_legit/ Hi! I have 5,000 dollars worth of USDC on the Polygon network, and chatGPT advised me to use "wormhole portalbridge" to swap my USDC for USDC on the Solana network. I should mention that I use Phantom Wallet. So, could I then directly swap my USDC on the Solana network for Solana using Phantom? I should also point out that I have never used a bridge before. So I am turning to you and your experience for help. I have seen some posts on Reddit were people were complaining about the site, so do you know of any other reliable sites for my situation? Thank you very much in advance. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

>USDC - doing shit I swapped the majority of my USDC to EURC and a bit of PAXG for this reason

DBRiMatt

Polygon - doing shit Pepe - doing shit USDC - doing shit

CoinGate

Last year, USDT was first and BTC 2nd. This year, USDC might rank higher as we have delisted USDT due to regulatory reasons.

CryptigoVespucci

lol - or 20% yield Terra staked on Anchor? Great product.... Would say USDC / Tether are a bittt different as you the yield is coming from treasuries, and not Su Tzhu borrowing obscene amounts of money to plow into shitters.

More_Stuff9731

Hi everyone, I’m stuck with some USDC on Polygon and I currently have zero MATIC for gas. Would anyone be kind enough to spare 0.02 MATIC so I can move my funds? I’ll gladly pay it forward once I’m unstuck. Thank you 🙏0xA1760f9099dAC35697E28813Dad63034cC734d54

5alzamt

USDC on Algorand. Lowest fee, 4s to finality, no price risk.

CyberCrud

In the past decade my USD have lost half its buying power.  Converting to USDC coin wouldn't change that.  In that same period, my silver has gone up 500% and my BTC has gone up like 900%.  Paired with USDC, that's still true.  Fiat is already dead.  We just don't know it yet.  They can print infinite amounts.  BTC is finite.  

Hena_Evore

Machines.cash lets you convert BTC or USDT into spendable balance through virtual Visa cards without exchange hopping. You deposit crypto once, create cards with spending limits, and use them anywhere Visa works. Settles in USDC with single-use deposit addresses to reduce wallet linkage.

CryptigoVespucci

Summarizing the main debate here via Claude since a lot of threads are saying the same things: **The debate in a nutshell:** **OP's thesis**: Stablecoins paying 4% are a better product than bank deposits paying 0.1%. The fact that banks are lobbying to ban stablecoin yields proves they're a competitive threat. **Main pushback #1 - "HYSAs exist"**: Multiple commenters pointed out they get 3-4% on FDIC-insured high-yield savings accounts, so stablecoins aren't needed. **OP's counter**: If HYSAs are so great, why do only 1 in 5 Americans use them? And why are banks scared of $6T in deposit flight to stablecoins if superior alternatives already exist? Banks don't fight HYSAs because they issue them - the money stays in the banking system. Stablecoins pull deposits out entirely. **Main pushback #2 - "Crypto is risky"**: Depegs, no FDIC insurance, could cause instability. **OP's counter**: USDC is 1:1 backed by treasuries, not an algo stablecoin like Luna. Different structural risk entirely. And the issuers are getting regulated at the federal level. **The real resolution**: One commenter noted the Fed wouldn't approve a 100% treasury-backed bank because the government prefers fractional reserve banking, where deposits get loaned out and $1 creates more economic activity. **OP's concession**: This is the real argument. Stablecoins at scale would pull deposits out of fractional reserve banking, making it more expensive to borrow, which hurts the economy. The question is whether consumers should subsidize that system by accepting 0.1% when market rates are 4%.

CryptigoVespucci

I use them as a replacement. I'm the minority, but that's not necessarily true. Definitely some risk, but as USDC and Coinbase/Circle get more regulated, the risk is mitigated.

Engineerofdata

USDC has de-pegged before and returned to normal. It’s a very solid stable coin.

CryptigoVespucci

Ok so the main pushback seems to be, 'I'm getting 3% insured by the government, so stablecoins aren't better.' If HYSAs are so great, why are only 1 in 5 Americans using them like you do? And why is the banking lobby claiming stablecoin yields would cause $6T in deposit flight - if obviously superior HYSAs already exist? Why hasn't that deposit flight already happened into HYSAs? Banks don't fight HYSAs because they issue them. The money stays in the banking system. Stablecoins pull deposits out entirely. That's what they're actually fighting. Then people say, 'But it's crypto and it's risky!' - USDC is issued by a public company, reserved 1:1 in cash and treasuries, and in the process of being federally regulated. Not without zero risk, but not Terra Luna either. So my main objection to "HYSAs are better" is that if that were the case, everyone would be in them, and the banks wouldn't be scared of deposit flight.

joshdrumsforfun

But USDC isn’t FDIC protected. Which means it is highly susceptible to the same types of problems that created the Great Depression. Additionally, the United States does not want to insure a crypto currency because there is a high probability it is a fad that will disappear in a few years and until it has some actual uses, it isn’t a safe investment to insure by the United States government.

CryptigoVespucci

"Banks are mainly worried that people will invest trillions into pixie dust and end up being scammed and destabilizing the US economy." This isn't what the lobby is saying though.... I agree, government should protect people from investing their money in pixie dust. But what I'm saying is USDC held on Coinbase is not that. Coinbase is a public company; USDC is backed by short term treasuries - pretty cut and dry. If USDC were pixie dust, banks wouldn't be spending millions lobbying to ban it. They'd let it fail on its own. They're lobbying against it because it's a competitive product - not because it's a scam.

Jabulon

isnt USDC slightly safer than USDT?

CryptigoVespucci

Thanks for the thoughtful comment. Honest question on HYSA: why don't more people do what you're doing? (only 18% in the US use HYSA). My best guess is that there is too much friction, and it takes a level of financial sophistication that most people don't have, but it's been hard to find a clear answer. Whereas, I think everyone getting more or less the risk-free-rate of return by default is an admirable goal, which USDC on Coinbase achieves so why block it? (deposit flight and destabilizing the credit markets seem to be the answer). Point being, regulation shouldn't be used to protect an incumbent's business model. Coinbase et al should be allowed to compete. To the rest of your comment, is blocking the bill on the yield issue worth it? I agree, it would be a massive set-back and put things on ice for years (and I shudder at the thought of what Elizabeth Warren will do if she gets back in power). On the other hand, hampering one of crypto's most effective products just to get a deal done feels like a major L as well. Definitely a tricky one. Fair point that Coinbase has a self-interest here - they keep the yield product if no bill passes. But that doesn't mean they're wrong. The question is whether the yield provision is important enough to hold the line on, and I think it is.

CryptigoVespucci

Sounds like you're French, and after doing some light reading on Livret A, the French regulate deposit yields so everyone can get access to 3%, which is great. Combined with government backing - sure, that's a better savings product then stables. But the US doesn't work the same way, so the majority of people get nothing. So in that sense, the post doesn't apply to you. Fair point on depegs! Putting your funds in an algo stablecoin like Luna certainly wasn't worth the risk, even for 20% yield. Is 4% yield for holding USDC on Coinbase worth the risk? I'd argue that USDC's backers (Circle & Coinbase) are increasingly being regulated like banks, as are the assets that underlie it... so the risk of "cratering in the blink of an eye" simply isn't there. Will submit that that risk is not the easiest for the average person to evaluate (which is what regulating stablecoins would mitigate against). Re: MSCI - sure, but you likely have a level of financial sophistication that the majority don't. The point is that yields should be baked into every deposit by default, with the average person not having to think too much about it (like in France 🇫🇷)

PirateSKB

Hm I got a few thousand in USDC to throw at something today. I should probably find something to buy to sell on a bounce

biba8163

> $TRUMP Coin is going to deliver an education to people who missed out enrolling at Trump University. **(Jan.18, 2025)** https://np.reddit.com/r/CryptoCurrency/comments/1i3uktp/daily_crypto_discussion_january_18_2025_gmt0/m7uhtzf > Reminder: **(Feb, 2025)** > - The Trumps have not put any of their money in crypto. They are collecting money including ETH, USDT, USDC, etc by selling WLFI tokens and also memecoins > - Donald Trump has bankrupted 6 casinos and now has made Ethereum his casino > - $WLFI is run Chase Herro Zachary Folkman who previously ranDough Finance a fork of AAVE that was hacked for $1.8M in July 2024 and went bankrupt. https://np.reddit.com/r/CryptoCurrency/comments/1ikp5qf/trumpbacked_world_liberty_financial_is_loading_up/mbogi7e/ **Education isn't cheap!** > just bought some trump. watched it go from $30 to $40 so fast. then bought some on the way down. https://np.reddit.com/r/CryptoCurrency/comments/1i4l3ol/daily_crypto_discussion_january_19_2025_gmt0/m7xflwn/?context=3 > $TRUMP to $100 https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcv0pfn/ > All aboard the $TRUMP train https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcx4t06/ > It’s good to know this community hates $TRUMP coin. Always inverse this sub is the golden rule. Trump to the moon 🚀🚀🚀 https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcxyl1g > I told my sister I bought some $TRUMP yesterday. she wanted me to buy some for her too. so i just did. https://np.reddit.com/r/CryptoCurrency/comments/1i4l3ol/daily_crypto_discussion_january_19_2025_gmt0/m812na6/ > It’s the perfect currency. $TRUMP could be used for many applications like buying a Tesla if Elon pushes for it. https://np.reddit.com/r/OfficialTrumpCoin/comments/1iait25/since_this_is_a_memecoin/m9aia6n/

randomFrenchDeadbeat

Less fees, immediate transfer, no fraud risk. You cant directly exchange bitcoin with USD. There is no automated, unmanned system for that. But you can with USDC (or any other token basically). Note those transfers happen either on chain, which is a public and unchangeable record, or on centralised exchanges, which act exactly like a stock broker and reports everything to the tax administration. So no possible tax evasion or anything.

Beneficial-Hope68

“Keep in USDC until BTC touches 200W EMA → then go all-in into small top-100 alts (NIGHT, RNDR, LINK). Small capital = high risk. Bigger capital = safer assets.”

BlueChipCryptos

invest them in USDC 😁🚀

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Post is by: MDiffenbakh and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qhebiv/stablecoin_team_payouts_hitting_eur_rails_volume/ I've been running a small side project lately with contractors across EU who invoice in USDC from client work. Turning those stables into actual EUR for rent and bills has been rough. Regular banks treat crypto transfers like potential money laundering - constant source of funds emails, random holds, or outright blocks. The usual exchange plus bank wire path works once in a while but compliance flags kill repeat monthly flows for a team. Tried Revolut first - crypto on/off ramps exist but every USDC deposit triggers their risk filters, plus conversion spreads eat margins when doing team-sized volumes. Wise is great for clean EUR transfers but won't touch crypto inflows directly, so you're stuck bridging exchange withdrawals through regular banks anyway. Tested a few different fintech apps that handle crypto deposits straight to named IBAN accounts after that. Most had issues: swap spreads killing margins, EUR settlement taking 2-3 days despite instant SEPA promises, or endless re-verification loops per payout.​ Keytom's one I've been using lately - USDC goes direct, converts at a posted rate, EUR lands in your personal named IBAN same day. SEPA out works free and actually instant to any EU account. Not saying it's perfect or the only option, just finally found something that handles team crypto payroll without turning into a compliance nightmare. Still watching for long-term stability but beats juggling multiple services.​ How do you handle stablecoin client payments turning into usable EUR at volume? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Separate-Spot-8910

All I have right now is USDC earning almost 4% and my stress levels have gone down dramatically.

ADHD-Developer

I would keep it in USDC until btc touches the 200 W EMA then ill dump it all on a small top 100 trusted project/projects like NIGHT , Render, link .. capital is small so my appetite for risk is high at this situation, if it was 30 k then i would tell you ETH, SOL, XRP.. if it was 100k then it would be BTC.. the higher the capital the less risk i expose

PirateSKB

Tbf I sold ~$2300 worth of crypto to USDC to trade with. I'm just trying to find something fun to throw it at with a good risk : reward

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Post is by: Haunting-Promise-287 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qge47k/stuck_with_10k_in_usd_on_exchange_should_i_wait/ Hi everyone, I currently have **$10,000 USD** sitting on a crypto exchange. My original plan was to exit the crypto market entirely and move this capital into the traditional stock market (ETFs/Blue chips), as I believe I can achieve more consistent returns there right now. However, I’m facing a major dilemma: **The USD is currently very weak compared to my local currency.** If I withdraw and convert it now, I feel like I'm losing a significant chunk of my purchasing power just on the exchange rate. I’m considering three main paths: 1. **Stake Stablecoins:** Keep the $10k in USDT/USDC and stake it for 5–10% APY while waiting for the USD to strengthen. 2. **Buy the Dip (Crypto):** Put the money into BTC or ETH "on the way out," hoping a price increase offsets the poor exchange rate (though this adds a lot of risk). 3. **The "Bite the Bullet" approach:** Just withdraw it now, accept the bad exchange rate, and start compounding in the stock market immediately to avoid opportunity cost. What would you do in this situation? Is it worth "parking" the money in stables for a few months, or is trying to time the currency market a losing game? Would love to hear your thoughts. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Grunblau

You buy $10 of USDC. Circle (stablecoin issuer) buys $10 of US Treasuries and issues you a digital representation of $10. Those treasuries produce interest. If Circle is legally barred from passing on the interest, they keep it. Buy yachts, issue bonuses to themselves, etc… If they are “allowed” to pass on interest, then it becomes a market where people decide where to put their money based on who offers the best yield. Banks are the new brick and mortar with unsustainable overhead in this scenario.

Ok_Lake3894

They should make if you don’t own at least 1000$ in crypto you cannot receive USDC rewards

Ornery-Letterhead-26

Then start mining it back through the Lumerin Hashpower Marketplace. Convert underperforming assets into USDC, then use that capital to purchase hashpower directly on-chain. You can then mine BTC to a completely unrelated anonymous wallet—trustless, non-custodial, no KYC, and fully on-chain. Great if you want to reset your privacy. On top of that, Lumerin has launched a first-of-its-kind hashpower futures marketplace, allowing you to lock in or trade hashpower as derivatives—something that’s never been done before in this space.

SaylorOfEntropy

Call it whatever you want. ETH transfers, USDT, USDC, bots, exchanges, users. The label does not matter. The rest of the point stands. If activity is at an all time high and fees are at one cent, then block space is not scarce in an economic sense. That is the only claim that matters. In any physical system, demand expresses itself as pressure. On Ethereum, pressure is the fee market. If pressure is low, capacity exceeds demand, regardless of how many messages pass through the system. You can have a highway full of scooters and still have no congestion. Counting vehicles does not measure scarcity.

MinimalGravitas

> That is batching, rollups, spam, and protocol housekeeping. No, it isn't... 'rollups' use blobs, not gas; 'protocol housekeeping' isn't counted in transaction numbers; and as for 'batching' and 'spam'... I have no idea what you are referring to. Back in reality the top 3 transaction types on L1 are: 1) Sending ETH, 2) Sending USDT, 3) Sending USDC. Do you care if what you write is true? If so then why not check before you make yourself look stupid with these bullshit claims?

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Post is by: Financial_Jelly_8304 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/Memecoinhub/comments/1qfqnoo/kindsoul_kns_is_going_to_100_mil_mc_let_me/ **This isn't a shitcoin, it's an early gem sitting at 1.5 mil market cap, so give this post a quick read and you will understand why.** No one has ever become poor by giving. Across cultures and generations, helping those in need has been seen not as a loss, but as a blessing; returning as good karma, abundance, and a richer life. KindSoul ($KNS) operates with a clear mission to help millions of people and has already begun delivering tangible, real-world impact. KindSoul is the first charity token of it's kind to develop what it is promising. **What KindSoul is promising:** * DEX aggregator called KindSwap where 50% of DEX fees will be donated (Releasing Q2 of 2026) * NGO status in India and Australia (applications in other countries in the future) (already in progress) * Perpetuals market to trade longs or shorts on all stablecoins (Q1 of 2027) * Predictions market like Polymarket and Kalshi (Q1 of 2027) * AI-tracking of where fees from your transactions from the DEX will go (Q2 of 2026) * The ability to control which sectors charitable causes your fees from utilizing their DEX goes (Ex. Education, Healthcare, Homeless shelters, etc.) (Q4 of 2026) * **Staking of $KNS tokens with 30% of protocol fees** returning SOL/USDC after staking period is completed (Q4 of 2026) * Live tracking of how many souls have been helped (Active) * 90% of creator fees being donated actively * 10% of creator fees used for buy backs and burns **Why these promises are confirmed to become reality:** * Doxxed developer team actively updating community * Developer team has 10+ years in financial markets experience and 5+ of Web3 development experience * Developer team has engineering background * Developer team has massive connections * Active DLMM Meteora liquidity pool to protect chart from big sells * UI/UX of KindSwap already released * Website for KindSoul and KindSwap already up * NGO status in progress with live updates * Token released for 30+ days already with no issues on chart * Strong active community actively supporting KindSoul I highly suggest not fading this early gem, this will for sure be a 100 mil+ token. **Relevant information:** CA: CVfniqNEj2f4Yd8Z4TEtaTU49gWNTwUyCiDDUbsZpump KindSoul website: [https://kindsoul.world/](https://kindsoul.world/) KindSwap website: [https://kindswap.world/](https://kindswap.world/) X: [https://x.com/kindsoulworld](https://x.com/kindsoulworld)  *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

MinimalGravitas

There doesn't appear to be one particular thing, just lot's of pretty normal stuff. The top 3 uses this week have been the same as they usually are: 1) Sending ETH 2) Sending USDT 3) Sending USDC https://ultrasound.money/?timeFrame=d7#burn

ADHD-Developer

USDC and wait for the dip, the political situation is high tension atm.. tarrifs, greenland.. etc

Udd1n

#NETX - next gen blockchain (4-layer architecture) serving japan's payment infrastructure. Recently it went live at Japans haneda airport (80-90million passengers a year) Integrated with USDC. Partnered with WEA and Netstars, which is japan's largest QR payment aggregator. Low market cap £11m, still early but massive potential. Max supply 20m tokens. Not mintable. Circulating supply 19.53M. New CEX listings coming up.

ResponsibleFloor5430

MY ADVICE I FORGOT TO TAKE INTO ACCOUNT! I started new in May 2025. I was moving and swapping different crypto back and forth to wallets, Exchange apps, etc. Running stupidly blind. I have no issues, that I know of, with the IRS. My yearly filing used to be W2 from work and Savings interest. Easy peasy. NOW, I’m a mess. A schedule D form with 68 form 8949 using Koinly tax app. I had NO idea every little transaction, sale, move to USDC, etc I made was going to have to be entered on IRS form 8949. The final numbers on Schedule D was more than I make. BUT, it showed a final loss which is correct. I had to look through all 1000+ lines to look for any duplicates. Frankly it stressed me out! WHY? Because this year I get two 1099-DAs added to my wallets. My advice, keep a running total using proper format for reporting. I know this is long BUT NOW I’m waiting until February for my 1099-DAs and hope they match. Basically, my advice is don’t go crazy moving stuff around between exchanges and wallets Willy nillly. But if you can handle the math stress, do what you want. This year, 2026, I’m watching what I’m doing and not stupidly trading using emotions. Just buy and hold. Sorry for so long. Keep it within a few networks and tokens. And do not expect life changing events, just profits when you can.

respectandmanners

I think that the point is that, regardless of short term volatility, BTC can buy a lot more goods over time and USD, and associated USDT, USDD, and USDC, keeps buying less and less

Ru9on

Where do you hold the USDC and on which chain?

Numerous_Wonders81

"Bitcoin clone". Unlike Bitcoin forks (LTC, BCH, BSV), which share the same slow, energy-intensive architecture. Bitcoin rarely moves because transaction fees and 10-minute block times make it impractical for daily use. Bitcoin’s script is intentionally limited. It can't natively handle complex "If/Then" logic (smart contracts) without clunky, centralized Layer 2s. It’s a "dumb" vault of gold. While Bitcoin is stuck with a 15-year-old legacy script, Algorand lets developers build complex apps in Python and TypeScript. This is why it’s the go-to for Real World Assets (RWA). ​Like Bitcoin, Algorand has a fixed supply of 10 billion tokens. There will never be a 10,000,000,001 ALGO. To even start mining Bitcoin effectively in 2026, you need professional ASIC hardware that costs between $2,000 and $20,000. You also need industrial-grade cooling and dirt-cheap electricity. On Algorand, you can secure the network with a Raspberry Pi or an old laptop. Algorand can bundle multiple transactions—like swapping a house deed for USDC—and ensure they either all happen or none happen. This is native, "Layer 1" programmability that Bitcoin clones can't dream of. Algorand was built from scratch with a completely different foundation. 'network effect' doesn't save outdated tech once the world needs high-speed, scalable infrastructure. ​I can use my 'scarce asset' to power smart contracts, settle global payments in 3.5 seconds, and secure a network with a Nakamoto Coefficient 6x higher than Bitcoin’s. ​While Bitcoin users are paying $10 in fees to wait an hour for a 'maybe' confirmation, Algorand is settling 10,000+ transactions per second for $0.0002 with 100% finality. Bitcoin is a digital vault where you pay high fees to let your 'gold' sit. Algorand is a programmable engine that settles 1 million+ real-world tickets (TravelX) for $0.0002.

Shichroron

Saving account interest is a joke. You probably want to benchmark against money market funds (3.5-3.8% if i am not mistaken) You can get USDC and lend it on AAVE. That will give about the same level with the lowest on chain risk.

phallicpunch

I have a separate wallet that I connect to Bitrefill & pay with USDC; usually from Base. You can send from other chains as well; including paying with BTC. If I’m moving from Stellar I’ll use Allbridge & send to the other wallet. I “assume” if you have the Bitrefill Visa card the process is similar. I believe there is a top up limit per 7 days so you should read their TOS. I personally don’t typically get Visa gift cards because some places don’t accept them or they just don’t work everywhere. It is good for a quick gift to someone tho.

MinimalGravitas

Your 'gotcha' is from Aug 19, 2021, 4 and a half years ago... Since then they implemented the toggles that I referred to above, which just eliminate entire sections of the TVL, as described in the note you have linked to... > Other TVL aggregators attempt to remove this double counting by just removing the TVL of some protocols from total TVL, but this approach leads to incorrect data. One of the most basic protocols, aave, has deposits in a lot of basic assets such as ETH and USDC, but it also has DAI and uniswap LP tokens, so if you include it into the TVL sum you will introduce some double counting, yet if you exclude it you will be excluding a lot of TVL that should be counted. Anything you do will lead to incorrect data. That means that the $74B is almost certainly an undercounting of the 'true' value. But nice try I guess...?

Numerous_Wonders81

I’m reading you loud and clear; you’re just describing a different kind of loop. Even after you strip out staking, your '$74B DeFi TVL' is still a hall of mirrors. ​The Rehypothecation Trap: Ethereum DeFi isn't growing through new capital; it's growing through leverage. Users deposit ETH into Aave, borrow USDC, and use that USDC to buy/deposit more ETH. You’re counting the same 'organic' dollar multiple times across lending protocols. ​Whale Concentration: That '$3.5B weekly growth' you're flexing? It’s not new users. It’s a tiny group of whales and curators intermediating the vast majority of that value to hedge leveraged crypto risk, not to build real-world utility. ​The Utility Gap: While you’re shuffling $3.5B in leveraged loans, Algorand is actually moving Real Economic Value (REV). We’re settling 1 million+ airline tickets and **$1B in national utility bills**. One chain is a circular economy of debt; the other is a global payment rail. ​The Nakamoto Reality: No matter how many billions of debt you stack, your network's security is still bottlenecked by a Nakamoto Coefficient of 2. Algorand is 6x more decentralized and inclusive because we don't have a $105,000 gatekeeper fee to participate. ​Ethereum is a playground for money legos. Algorand is the engineering standard for the real world. Stop worshipping the debt loops and look at the utility.

moon_over_my_1221

Hold in USDC for reentry.

the_ocs

Tether is a case of it's own, an argument for why centralized stablecoins need regulation. Looking at USDC, they hold dollars or equivalent (like treasuries), so there's no leverage there on their part. Like you say, the banks they are forced to used to hold these dollars pose a risk, but that's a commercial bank problem, not a stablecoin problem.

acaiblueberry

I put USDC on Coinbase and got like 3.5% with Coinbase One, and USDG on Kraken and got 4.0% with Kraken+ for a while and decided they were too risky and moved all to wealthfront. Those two were just rewards from the platforms and not from on-chain lending which is riskier, and I don’t think USDC to collapse anytime soon, but there is a risk that platforms freeze my account, which is happening to my another account at Coinbase. At any rate, they were not worth the risk compared to regular HYSA.

Apart-Apple-Red

Coinex is giving me above 5% Apr on USDT and USDC. No kyc, no nothing. Good stuff for years.

Pristine-Sherbert-66

Time to say goodbye my USDC rewards 😩

GreenStretch

There isn't. USDC on Coinbase is probably closest.

hindermore

You can get similar or slightly better yields by supplying your USDC to liquidity pools on DEXs like Aave. Basically, you are lending it out to borrowers who collateralize their loan with other crypto assets. Smart contracts control the liquidation thresholds so if their collateralized assets tank in value, they are sold automatically to repay the loan. There is always some kind of risk, but pretty minimal. I have never heard of any cases where a lender did not get their supplied liquidity back.

aeronauticalingrid

MEXC for 15% USDT / USDC Binance for 20% USD1

RemarkableSalt6393

I wouldn't count on stablecoins not being leveraged, what's stops tether from just printing them, they haven't had a reliable audit as of yet.  Even if they are backed 1 on 1, but the reserves backing them are held by banks they are essentially still highly leveraged. Something which we saw with the Silicon valley bank and USDC depeg. 

arun_singh18

Hey, 27% stables at 7%—smart cushion for dips, but yeah, market heat tempts deploying more. - Scale to 15-20% in bulls for alt upside; keep diversified sources. - Reassess quarterly based on vol/rates. - Trade-off: Steady yields vs. missing pumps. Yieldseeker on Base auto-manages USDC as one passive option. Bull vibes now?

According-Virus8004

Buy stablecoins (USDT or USDC) via whatever way you prefer. Transfer to your own wallet, then use [wagyu.xyz](http://wagyu.xyz) to swap to Monero.

SatoshiReport

Banks have balance sheet requirements and can offer yields. Stable coins are trying to provide yields with no balance sheet requirements. Either stable coins are going to be regulated like a bank or they won't offer yield. I don't see the entire US banking system going under so USDC can offer yield.

Udd1n

Check out #NetX, low market cap £10m, max supply 20millon. Their tech just went live at Japans Haneda airport (80-90million passengers a year). NetX is the base settlement layer for USDC payments. They call it the next gen blockchain because of the 4-layer network. [https://www.netx.world/](https://www.netx.world/)

Udd1n

Check out #NetX, low market cap £10m, max supply 20millon. Their tech just went live at Japans Haneda airport (80-90million passengers a year). NetX is the base settlement layer for USDC payments. They call it the next gen blockchain because of the 4-layer network. [https://www.netx.world/](https://www.netx.world/) [**https://www.netx.world/https://www.netx.world/**](https://www.netx.world/https://www.netx.world/) [https://www.netx.world/](https://www.netx.world/)

outoftownMD

I was drilling into a wall in 2018 in my house. My stud finder said I was in wood, but it went through to easily. I pushed further and hit the hot water pipe. It shot a 30 ft maximum water temp through the wall to the other side of my place. I addressed the water frantically. Months later, I was looking for my codes because I'd bought a new trezor. I couldn't find them and couldn't remember the code to get into the trezor I had. I looked everywhere. I eventually found them in my bookshelf that had been hit 30ft across by the water. Water damaged, faded away. all BTC and ETH purchased from 2016-2017, gone. (11btc+, and 80eth+). I was spooked from it all and didnt want to ever touch it again. In 2020, I slowly starting buying again. In 2021, had reaccumulated 1.6 btc from slow purchases. put all of it into SPELL. it ran up to 8BTC + worth. Then it came out that the treasury for SPELL was connected to QUADRIGACX collapse and potential founder death. It fucking cratered before I was even aware since I wasn't frequently checking. It fell all the way back to pretty much my initial, AND I HELD. SUNK COST FALLACY hit hard with LOSS AVERSION. (understand these). I took the 'last' BTC I had and wanted to put it somewhere 'secure'. I SHOULD have put it into USDC or USDT if I had the knowledge I have now. My cousins who had been in before me, and with the feeling of SCF and LA alive in me, had me highly suggestible to any insights or recommendations. They recommended I put I put it into a 'blue chip NFT'. so I bought a high rarity Doodle. :(. A few months later, Doodle pumped and I didn't sell. A few months after that, the Doodle founder came out saying 'Doodle was never meant to be an investment vehicle', CRATERED 80-90%. so from 1.64 reaccumulated BTC (+ 20 ETH that I had on the side making some trades), I went up to 8BTC, greed held, cratered to 0.4 BTC. ETH from 20> 46>4>2). So, journey indeed.

Chicken_Bacon

Say you have 1000$ USDC, to get the best rate you also need (100$) worth of Nexo coins. Nexo coins don't need to be locked up, but smart to do it.

Zettabite

Which part? They buy treasuries and get 3.5% ish, and give whomever buys the USDT/USDC/whatever 1.5% and reap 2% yeild while beating standard savings accounts.